RSI Insurance

Welcome to RSI Insurance!
Welcome to RSI Insurance where we specialize in providing business insurance policies and programs for all types and sizes of restaurants, coffee bars, delicatessens, pizzerias, bars, taverns, lounges, pubs, sports bars, nightclubs, ...caterers, and others in the hospitality industry. For over 20 years we have been meeting the insurance needs of our clients throughout the Metropolitan New York – New Jersey area and as an independently owned independent insurance broker we work for you…not the insurance companies. We will always place your best interests as our top priority and we shop the markets to find you quality coverage with the lowest rates available. We also offer non-auditable policies so you will know the actual cost for the coverage we provide.

Our business insurance coverage for Restaurants, Nightclubs, Bars, Lounges, Delis, Pizzerias, Coffee Shops, Caterers, includes but is not limited to:

Property Damage
General Liability
Liquor Liability
Liquor Tax Bonds
Worker’s Compensation
Business Income Interruption
Food Spoilage
Umbrella / Excess Liability
Personal Injury and Bodily Injury Liability
Assault and Battery Coverage
Coatcheck / Coatroom Theft Insurance

We invite you to take some time while you are visiting us online at RSI Insurance to explore our website. You will find a number of helpful and informative pages concerning the insurance coverage we have available.

Then give us a call at 914-332-1700; email us at ira@rsi-insurance.com: or complete the online application by clicking the quote button. The quote is free and carries no obligation of any type.

Before you sign your lease, we will, free of charge, review your insurance requirements and offer a no charge critique of those clauses!
About Us
For nearly 20 years RSI has been one of the premier independent business insurance brokers for restaurants, taverns, sports bars, delicatessens, pizzerias, coffee bars, nightclubs, lounges, pubs, caterers and others in the hospitality industry.
We currently insure over 1,400 locations in the Metro NY-NJ area. Our specialization gives us a unique knowledge of the markets and we will shop to find you the best coverage with the best rates available. We are also an independent broker and that means we are committed to service of the highest caliber and unparalleled advocacy on your behalf.





Ira Holm, our Principal Broker, was the owner of his own restaurant in Manhattan, allowing us to bring an extra level of expertise to the table. You can count on our knowledgeable and experienced staff to tailor a program to meet your specific needs and to explain the insurance you must have…the coverage you should have…and the insurance options you could have - often at a lower price than you are currently paying. Ira Holm was a founding member and past president of the NY Restaurant Round Table and current President of the Westchester/Rockland Restaurant Round Table. RSI has been endorsed by several metro NY-NJ restaurant and bar owner's associations.

We also recognize that you probably already have questions about the insurance coverage you need. To assist you we’ve provided answers to many of the frequently asked questions we’ve received through the years like:




FAQ:
Q) Do I need to get different insurances from different brokers/agents?
A) No - RSI can provide any coverage you may need including Package Policies for Property and Liability, Umbrella Liability, Worker’s Compensation, Disability, and Employment Practices Liability.
RESTAURANT INSURANCE COVERAGE
Every restaurant owner and restaurant manager knows that among the keys to success are choosing the perfect name, the right location, an appealing menu and decor, and hiring the best employees. But there is another crucial ingredient needed…and that’s having the right type of insurance coverage to help you protect the success you’ve worked so hard to attain.


Your restaurant insurance policy coverage will be your greatest tool if you have a loss. As a restaurant owner or restaurant manager, it is imperative that you insure your restaurant so it is properly protected with the proper restaurant insurance policy. RSI-Insurance offers the best coverage for the best prices.



At RSI Insurance we will take the time to talk with you about your restaurant, recommend appropriate insurance strategies, and search to find the insurance company or companies best suited to providing you with optimal protection and the most competitive pricing.
Our restaurant insurance policy coverage includes


Property Insurance – this part of your restaurant's insurance policy will insure the buildings that you own, your business property, and inventory against physical loss or damage. Even if you don't own the building where your restaurant is located, you'll still need to insure its contents.
Business Personal Property / Contents Insurance – to provide coverage for furniture, fixtures, merchandise, materials, and all other personal property owned by you and used in your restaurant. You may insure those items for replacement cost or for actual cash value (ACV), which covers and pays for only the depreciated value of the property.
General Liability – to protect you if someone slips and falls in your restaurant or gets sick after dining whether it’s your fault or not.
Umbrella/Excess Liability – to cover your business from catastrophic issues that threaten its security. An excess liability insurance policy acts as an umbrella to your basic liability insurance. This type of coverage starts when a claim is made against you that exceeds the amount of your existing liability coverage. Umbrella liability insurance provides a safety net when your other business coverage has been exhausted.
Liquor Liability – to specifically protect against legal liability resulting from intoxication of an individual because of the sale or distribution of alcoholic beverages by the insured party. Restaurants have special coverage options that should be considered because the policies have multiple coverage options that work in combination with each other to protect against bodily injury and property damage claims as well as certain risks that involve the sale or distribution of alcoholic beverages.
Employee Practices Liability – to protect you against complaints for age, gender, & race discrimination, sexual harassment, and wage & hours disputes.
Deeply discounted Worker's Compensation – or Workers Comp Insurance is also known as Employers Liability. Workers Comp is mandatory in most States. Workers Compensation pays a portion of your employee's salary if he/she is injured on the job while performing duties for the business.
Interest free installment payments and non-auditable policies available
DELI / PIZZERIA / COFFEE BAR INSURANCE
At RSI Insurance we understand the unique challenges Delis, Pizzerias, and Coffee Shops face, and we’re ready to provide the commercial insurance you need. We can meet your requirements for General Liability, Worker’s Compensation, and more. We also offer insurance coverage that’s specific to your operation. For example, if your deli, pizzeria, or coffee bar also


sells beer or wine we can meet your needs for Liquor Liability…there’s Food Spoilage coverage available…and should your establishment suffer damage that forces you to close temporarily there is Business Income Interruption insurance available.



Our Coverage for Delis, Pizzerias, and Coffee Bars also extends to:


Property Damage
Personal Injury Liability
Employment Practices Liability – to protect you against complaints for age, gender, & race discrimination, sexual harassment, and wage & hours disputes
We can offer a choice of low priced, non-auditable policies with interest free installment payments.
BAR & TAVERN INSURANCE
Every establishment that serves alcohol requires Liquor Liability Insurance but owners and managers of bars and taverns face additional liability issues and we’re here to help ensure you have the proper insurance coverage at RSI Insurance. For example, if you have pool tables, dart boards, mechanical bulls, or other recreational equipment you need the right coverage to protect


you from the additional liability risks these items pose. Over the years we have insured thousands of bars and taverns at the most affordable prices. We are also an independent broker and we will provide you with excellent representation in the event of a claim.


Our bars & tavern insurance coverage includes but is not limited to :
Property Damage
General Liability – including assault & battery!!!
Worker's Compensation – deeply discounted rates available
Employment Practices Liability – to protect you against complaints for age, gender, & race discrimination, sexual harassment, and wage & hours disputes
Umbrella / Excess Liability
Liquor Bonds

CATERING INSURANCE
Whether you are a small home-based off premises caterer or a major event facility we can offer the proper insurance at the best prices. In addition, many policies we offer are non-auditable which means you will know the true cost up front. The predominant lines of coverage include injury from food poisoning, liquor and premises liability.


If catering is your actual business, it does not qualify for 'one-time' or single-event insurance programs. However, a typical business insurance policy for $1,000,000 including General Liability for a catering service runs about $800-$1100/a year. This type of policy will include products/completed operations, personal injury / advertising injury, fire damage and medical payments coverage for every single event you may do over a 12-month period. This is extremely affordable considering if a claim or lawsuit was made against you and your company.
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